3. The table below illustrates the trend in Non-Performing Loans (%)

Mar 2018~~~~ 22.58

June 2018~~~~~ 22.56

Sept 2018~~~~~ 20.03

Dec 2018~~~~~~ 18.19

Mar 2019~~~~~~ 18.76

June 2019~~~~~~ 18.05

a. Explain the following banking terminologies related to credit.

i. Sticky Credit (2.5 marks)

ii. Non-performing loans (NPLs) (2.5 marks)

b. Show how the under-listed systems and structure expected to impact loan collections and recoveries.

i.Collateral Registry (5 marks)

ii.Credit Rating (5 marks)

ii. Credit Reference Bureaux (5 marks)